What Cahaya Offers
A different kind of
financial education
Cahaya is built around a simple idea: adults who understand their own financial picture make better decisions than those who do not. We offer the setting and the content for that understanding to develop.
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Six things worth knowing about Cahaya
No product sales
We have no commercial relationship with any bank, insurer, or investment platform. Our income is entirely from programme fees.
Small groups of twelve
Every group programme is capped at twelve participants. You will not find yourself in a lecture hall of sixty people who cannot ask questions.
Singapore context throughout
CPF, SRS, Singapore Savings Bonds, MAS regulations — our content addresses the actual landscape Singapore residents navigate, not a generic Western model.
Written materials included
Printed readers, summary booklets, and — in the Bamboo Track — a written note after every session. You leave with something to refer to later.
Designed for working adults
Saturday mornings for group sessions. Bespoke sessions scheduled at times that suit the household. We work around your week, not the other way around.
Discussion-based format
Sessions are conversations, not lectures. Questions are welcomed throughout, and the pace is adjusted to the room rather than fixed to a slide deck.
Expertise
Educators who know the subject and the audience
Cahaya's facilitators have backgrounds in retail banking, asset management, and estate planning. They have spent careers in the financial field before turning to education, so they bring practical knowledge of how Singapore's financial system actually works — not just how it is described in textbooks.
Equally important: they have experience working with adults who are not financial professionals. They know which parts of a topic need more time, which analogies tend to help, and how to hold a conversation that covers difficult territory without becoming overwhelming.
Advanced qualifications in finance and economics
Combined industry experience of over thirty years
Trained adult educators, not just subject specialists
Materials updated annually to stay current
Response within one working day
Every enquiry receives a personal reply — not an automated sequence — within one working day.
Pre-enrolment conversation
We speak briefly with each enquirer to understand their situation before confirming a place. We would rather suggest a different path than take a fee for something that does not fit.
Post-session written summaries
Bamboo Track participants receive a written note after each of the seven sessions, summarising what was discussed and any next steps agreed upon.
Service quality
Thoughtful from the first enquiry to the final session
We believe the quality of a financial education experience is determined as much by how it is administered as by what is taught. A comfortable, well-organised setting; a facilitator who is prepared; written materials that have been carefully reviewed — these things matter.
We aim for each participant to feel that their time and attention have been respected throughout. That includes responding promptly, being clear about costs and timing, and not adding to anyone's inbox unnecessarily.
Value and clarity
Clear fees, no hidden costs, no ongoing commitments
The Lattice Discussions are SGD 290 per participant, all inclusive. The Quiet Household Investment Course is SGD 470. The Bamboo Track is SGD 790 for the full seven sessions across roughly three months. There are no additional charges for the printed materials, refreshments, or the written session summaries.
There is no subscription, no ongoing relationship you are being sold into, and no follow-up marketing sequence. You attend the programme, you receive the materials, and you leave with more clarity than you arrived with. What you do with that clarity is entirely your own decision.
The Lattice Discussions
SGD 290
Four Saturday mornings · All materials included
The Quiet Household Investment Course
SGD 470
Ten sessions · All materials included
The Bamboo Track
SGD 790
Seven bespoke sessions · Written summaries included
How we differ
Cahaya compared with the alternatives
| Feature | Typical one-day seminar | Bank or broker session | Cahaya |
|---|---|---|---|
| No product sales or referrals | |||
| Groups of twelve or fewer | |||
| Multi-session format (not a single day) | |||
| Singapore-specific content (CPF, SRS, SSB) | Varies | ||
| Printed materials for later reference | Varies | ||
| Bespoke household programme available | Sometimes |
What makes us distinctive
Three things you will not find elsewhere
A household summary document
Bamboo Track participants leave with a clear, organised summary of their household financial picture — a document that family members can refer to and that makes conversations with financial professionals far more productive.
A pre-enrolment conversation
We speak briefly with each enquirer before confirming a place. If the programme is not a good match for their situation, we say so — and we try to point toward something that might serve them better, even if that means not taking the fee.
Annually updated content
CPF rules change. MAS guidance evolves. Singapore Savings Bond rates shift. We review all course materials before each new cohort to ensure that what participants receive reflects the current landscape rather than last year's.
Recognition
Our milestones
2022
Recognised by the Financial Planning Association of Singapore for contribution to adult financial literacy
480+
Programme participants since 2019
4.8 / 5
Average post-programme satisfaction rating from participant surveys
61%
Of Bamboo Track participants were referred by a previous participant or family member
A place in the next cohort
If what you have read makes sense, we are glad to hear from you
Send us a note using the enquiry form or call during office hours. We will answer your questions without any pressure, and help you decide whether a programme is the right fit.
Send an Enquiry